Trying to find low-cost insurance for a Chevy Traverse can be a painful process, but you can use a few tricks to find lower rates.
There is a better way to shop for insurance and you need to know the quickest way to compare rates for a new or used Chevy and get the cheapest rates from local insurance agents and online providers.
It’s smart to shop coverage around periodically because prices are usually higher with each renewal. Just because you found the lowest rate on Traverse coverage at your last renewal you can probably find a better premium rate now. Forget anything you know (or think you know) about insurance because you’re about to learn the right way to get good coverage at a lower rate.
Some insurance providers don’t necessarily list their entire list of discounts very well, so we took the time to find some of the more common and the more hidden auto insurance savings.
Keep in mind that most discounts do not apply to all coverage premiums. Most cut the cost of specific coverages such as medical payments or collision. Just because it seems like adding up those discounts means a free policy, you aren’t that lucky.
Auto insurance companies that possibly offer some of the discounts shown above include:
If you need lower rates, check with each company which discounts you may be entitled to. Some of the discounts discussed earlier may not apply to policies in your area. If you would like to choose from a list of insurers who offer discounts, follow this link.
When choosing the best auto insurance coverage, there is no “perfect” insurance plan. Everyone’s needs are different.
For instance, these questions can aid in determining whether or not you will benefit from professional help.
If you can’t answer these questions, then you may want to think about talking to an agent. If you don’t have a local agent, fill out this quick form. It’s fast, free and can help protect your family.
Consumers get pounded daily by advertisements that promise big savings for switching from companies such as Geico, State Farm and Progressive. All the companies make the point that you can save if you get a free car insurance quote and switch to their company.
It sounds good, but how can they all claim to save you money? It’s all in how they say it.
Different companies quote their cheapest rates for the type of driver that earns them the highest profit. One example of a profitable risk profile may be a married female, owns their home, and drives a lower-performance vehicle. A customer getting a price quote that meets those criteria will get the preferred premium rates as well as save money with a new company.
Consumers who don’t qualify for those criteria will probably be forced to pay more expensive rates with the end result being business going elsewhere. Company advertisements say “customers who switch” but not “everyone who gets a quote” save that kind of money. That’s the way insurance companies can make those claims.
Different companies use different criteria so it’s extremely important to compare free car insurance quotes often. It’s just too difficult to predict which insurance company will give you the biggest savings.
Knowing the specifics of a auto insurance policy can be of help when determining the best coverages for your vehicles. The terms used in a policy can be ambiguous and nobody wants to actually read their policy.
Coverage for uninsured or underinsured drivers
This protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Chevy Traverse.
Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked. Normally these limits are identical to your policy’s liability coverage.
Liability
This provides protection from damage or injury you incur to other people or property by causing an accident. It protects you from legal claims by others, and doesn’t cover your own vehicle damage or injuries.
Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 100/300/100 which stand for a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property. Occasionally you may see one limit called combined single limit (CSL) which provides one coverage limit with no separate limits for injury or property damage.
Liability can pay for things such as loss of income, repair costs for stationary objects, medical services, medical expenses and pain and suffering. How much liability should you purchase? That is up to you, but you should buy as high a limit as you can afford.
Coverage for medical expenses
Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses like pain medications, ambulance fees and chiropractic care. They are often used in conjunction with a health insurance policy or if you do not have health coverage. Medical payments and PIP cover you and your occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage
Collision insurance
Collision insurance pays for damage to your Traverse resulting from a collision with an object or car. You first must pay a deductible and then insurance will cover the remainder.
Collision coverage protects against claims such as crashing into a ditch, sustaining damage from a pot hole, rolling your car, driving through your garage door and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. You can also bump up the deductible to bring the cost down.
Comprehensive auto insurance
This will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.
Comprehensive can pay for claims such as damage from getting keyed, damage from flooding, damage from a tornado or hurricane and rock chips in glass. The highest amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.
Cheaper 2013 Chevy Traverse insurance can be purchased both online as well as from independent agents, so you need to shop car insurance with both so you have a total pricing picture. There are still a few companies who may not provide online price quotes and these small insurance companies work with local independent agents.
When you buy car insurance online, it’s very important that you do not reduce coverage to reduce premium. There have been many situations where someone sacrificed liability limits or collision coverage only to regret at claim time they didn’t have enough coverage. The goal is to purchase a proper amount of coverage at the best possible price, but don’t skip important coverages to save money.
We just presented some good ideas how you can reduce 2013 Chevy Traverse insurance prices online. It’s most important to understand that the more times you quote, the higher your chance of finding cheap car insurance. You may even discover the lowest priced insurance comes from a lesser-known regional company.
Additional insurance information is located below: